Connect once
Link your accounts through regulated account aggregators — read-only, so nothing can be moved. Add property, ESOPs or anything else by hand.
Coming soon
Your money is in
eleven places.
Your advisory should be in one.
Fintoo AI is India's first AI platform for personal finance. It connects every bank, broker, mutual fund, insurance policy and loan into one live view — then tells you exactly what to do next.
Free to join · Early access at launch
HDFC BankSavings₹4,20,000
ZerodhaStocks₹18,60,000
SIP · 4 fundsMutual funds₹32,10,000
EPF + PPFRetirement₹27,40,000
LIC + TermInsurance cover₹4.3 Cr
Home loanLiability−₹18,90,000
One connected net worth
₹0
Net worth, live•AI risk profiling•Retirement age, calculated•Mutual fund screener•Equity verdicts•Goal planning•Debt restructuring•Decision Centre•Tax insights•Net worth, live•AI risk profiling•Retirement age, calculated•Mutual fund screener•Equity verdicts•Goal planning•Debt restructuring•Decision Centre•Tax insights•
How it works
Three steps between you and a real financial plan.
No forms to fill for an hour. No advisor to chase. Fintoo AI reads what you already have and works out the rest.
AI reads your behaviour
No ‘rate your risk from 1 to 10’. Fintoo studies how you actually earn, spend and invest, and places you in one of eight risk profiles.
Get your next moves
Buy, sell, hold, increase or reduce — on your own holdings, in a plan sequenced across the next month, quarter and year.
What you get
Answers, not another dashboard.
You don't pick the age. We tell you.
Over 5,000 simulations across bear and bull markets find the earliest age you could stop working — and how rebalancing brings it closer.
Every holding gets a verdict.
Your mutual funds and stocks are screened one by one, with a clear instruction on each: buy, sell, hold, increase or reduce.
Test the big call before you make it.
Change any assumption and watch the future update live. Sell the flat? Retire at 45? See the consequence before you commit.
We advise. We don't sell.
Fintoo AI earns nothing on commission, so recommendations are shaped by your goals — not by what pays us most.
Early access
Be first in line. Coming soon.
The waitlist opens the app to you before anyone else — and doubles the Fincoins you start with, so you can use the premium analysis from day one.
- ✓Access before the public launch
- ✓2× Fincoins to spend on premium AI analysis
- ✓Your full portfolio review ready the day you sign in
Join the waitlist
Takes about twenty seconds.
Questions
Everything people ask before joining.
What is Fintoo AI?
Fintoo AI is an AI-led personal financial planning app for India. It securely connects your banks, brokers, mutual funds, insurance policies and loans into a single live view, reads how you actually behave with money, and tells you what to buy, sell, hold or change next.
When does the app launch?
Coming soon on Android and iOS. Everyone on the waitlist gets in first, along with double the starting Fincoins.
Is my financial data safe?
Fintoo AI connects through regulated account aggregators using read-only access. It can read balances and holdings to build your picture, but cannot move, withdraw or transact your money.
Do you sell mutual funds or earn commission?
No. Fintoo AI advises rather than distributes, so no recommendation is shaped by what earns us more. It sits one level above execution platforms instead of competing with them.
What will it cost?
There is a genuinely useful free plan with mutual fund and stock analysis. Pro is ₹1,499 and Max is ₹2,999, adding retirement-age planning, debt restructuring guidance, expense analysis and tax optimisation insights.
Can I see what Fintoo AI would tell me, before it launches?
Yes. Our free Financial Clarity Score and report takes about two minutes. It scores how clearly you can see your money, then works out your earliest possible retirement age, corpus, cover gaps and the three things to fix first.
Who is Fintoo AI built for?
Working professionals and business owners in India, who already earn, save and invest — but have never been able to see whether all of it adds up to a plan.